<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
REGISTRANT'S INTERIM FINANCIAL STATEMENTS FOR PERIOD 9-30-99 AND IS QUALIFIED IN
ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>

                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               SEP-30-1999
<CASH>                                       8,939,268
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                               110,000
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                 43,820,915
<INVESTMENTS-CARRYING>                      15,890,653
<INVESTMENTS-MARKET>                        15,635,119
<LOANS>                                    129,800,780
<ALLOWANCE>                                  1,617,149
<TOTAL-ASSETS>                             204,472,875
<DEPOSITS>                                 162,875,677
<SHORT-TERM>                                 4,315,000
<LIABILITIES-OTHER>                            912,570
<LONG-TERM>                                 10,067,494
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                        11,009
<OTHER-SE>                                  16,469,121
<TOTAL-LIABILITIES-AND-EQUITY>             204,472,875
<INTEREST-LOAN>                              8,619,229
<INTEREST-INVEST>                            2,670,562
<INTEREST-OTHER>                               114,656
<INTEREST-TOTAL>                            11,404,447
<INTEREST-DEPOSIT>                           4,316,547
<INTEREST-EXPENSE>                           5,110,178
<INTEREST-INCOME-NET>                        6,294,269
<LOAN-LOSSES>                                  397,000
<SECURITIES-GAINS>                              31,907
<EXPENSE-OTHER>                              5,170,693
<INCOME-PRETAX>                              1,841,294
<INCOME-PRE-EXTRAORDINARY>                   1,841,294
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                 1,335,334
<EPS-BASIC>                                       1.29
<EPS-DILUTED>                                     1.28
<YIELD-ACTUAL>                                    8.10
<LOANS-NON>                                    430,998
<LOANS-PAST>                                    16,000
<LOANS-TROUBLED>                               160,000
<LOANS-PROBLEM>                              6,123,535
<ALLOWANCE-OPEN>                             1,428,492
<CHARGE-OFFS>                                  253,093
<RECOVERIES>                                    44,751
<ALLOWANCE-CLOSE>                            1,617,149
<ALLOWANCE-DOMESTIC>                         1,617,149
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                        845,813